Ground-Up Construction Financing Built for Florida Builders
From permit to certificate of occupancy—with milestone-based draws that keep your crew working and your builds on schedule.
Traditional bank financing slows down your momentum with rigid underwriting, endless paperwork, and processing delays that can drag out for 60 to 90 days.
In Florida’s fast-moving development market, waiting on a bank means missing out on your next plot of land or losing sub-contractors to competing projects.
At FloridaConstruction.loans, we offer institutional-grade private capital structured explicitly for real estate investors and builders who prioritize speed, execution, and flexibility.
Horizontal Development Financing from Dirt to Lots
Phase-based draws for grading, utilities, roads, and infrastructure — structured to match how development actually works. Residential Subdivisions, Mixed-Use Development, Entitled Parcels and Infill Development.
Full Horizontal Scope
Fund everything from acquisition through grading, utilities, roads, and infrastructure.
Bridge to Vertical
Seamless transition to construction financing with the same lender when lots are ready.
The Strategic Edge: Florida Construction Loan Guidelines
Whether you are breaking ground on a single-family spec home in Tampa Bay, a luxury townhome community in Orlando, or a mixed-use multifamily mid-rise in South Florida, our programs scale alongside your project portfolio.
Competitive Pricing
Target rates ranging between 9% – 12% based on experience and leverage.
High-Leverage Execution
Max leverage options reaching up to 85% LTC (Loan-to-Cost).
Flexible Horizons
Structural terms ranging from 6 to 24 months to match your realistic build timeline.
Diverse Property Types
Financing available for Single-Family Specs, Multi-Family Developments, Townhomes, and Mixed-Use vertical builds.
Inquiry for SPEC Builder Line of Credit
Minimum Loan Amount: $500,000
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Ground-Up Financing
Fund new construction from foundation to finish on residential and mixed-use projects.
Milestone-Based Draws
Capital is released as each project phase completes, so your subcontractors get paid on time.
Interest-Only Payments
Preserve project cash flow — you only pay interest on the funds actually drawn down.
Cross Collateralization
Unlock hidden equity in your existing portfolio to reduce out-of-pocket cash requirements.
Frequently Asked Questions
How does the milestone construction draw process work?
Our draw process is streamlined to keep your project moving forward. Rather than following rigid dates, draws are initiated when specific project milestones (such as foundation pour, framing completion, or dry-in status) are reached. A rapid inspection verifies completion, and the requested capital is released quickly to prevent site downtime.
Do I need to have active building permits in hand before applying?
We can review plans, track records, and provide soft quotes prior to final permit approval. However, to execute our accelerated 48-hour closing program, valid building permits must be issued and ready for verification at the time of underwriting.
What is the maximum project budget or loan size you fund?
Our flexible capital structures can support project sizes ranging all the way up to $25 Million. This allows us to scale smoothly from small scattered-site infill residential developments to major multi-unit urban infill projects.
Can I secure financing if I already own the development lot?
Absolutely. If you own the land outright or hold substantial equity in it, that raw equity can be directly credited toward your cash-to-close requirements, minimizing or completely eliminating additional out-of-pocket capital injections.